- Cheapest car insurance in Iowa for a bad driving record
- How much is high-risk car insurance in Iowa?
- Cheapest car insurance in Iowa with a DUI
- Cheapest car insurance in Iowa with multiple tickets
- Cheapest car insurance in Iowa with a reckless driving conviction
- Cheapest car insurance in Iowa with bad credit
- Cheapest car insurance after an accident in Iowa
- Cheapest car insurance in Iowa by city
- How to reduce car insurance rates in Iowa for a bad driving record
- Iowa car insurance laws for high-risk drivers
- Compare Iowa high-risk driver car insurance rates with other states
Cheapest car insurance in Iowa for a bad driving record
Travelers, Progressive, State Farm offers affordable car insurance for high-risk drivers with bad driving record in Iowa.
Having accidents, DUIs or traffic tickets on your driving record, will make you pay more for insurance. Most tickets will affect your rates for three to five years. A DUI can affect your rates for up to 10 years and can stay on your record for life.
| Company | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Travelers | $1,238 | $1,851 |
| Progressive | $1,589 | $2,081 |
| State Farm | $1,306 | $2,238 |
| Allstate | $2,126 | $2,631 |
| Geico | $1,716 | $2,733 |
| Auto-Owners | $1,461 | $2,928 |
| USAA | $1,165 | $1,652 |
How much is high-risk car insurance in Iowa?
A problematic driving record or poor credit score may mean higher insurance rates, but affordable options exist. In Iowa, high-risk car insurance costs $2,496. However, you can get rates as low as $1,851 from Travelers.
Many things can make you a high-risk driver, but some affect your rates more than others. For example, having multiple speeding tickets or a ticket for speeding in a school zone will increase your rates more than a single basic speeding ticket.
Read on as we explain high-risk car insurance factors and rates below.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company | Annual premium for clean record | Annual premium after violation |
|---|---|---|
| State Farm | $1,306 | $1,482 |
| USAA | $1,165 | $1,726 |
| Travelers | $1,238 | $1,795 |
| Auto-Owners | $1,461 | $1,931 |
| Progressive | $1,589 | $2,302 |
| Geico | $1,716 | $3,020 |
| Allstate | $2,126 | $3,121 |
PEOPLE ASK:
Who is considered high-risk for insurance in Iowa?
Each insurance company determines who they consider a high-risk driver, but a DUI, multiple tickets or accidents and other serious violations like reckless driving will generally land you in the high-risk category.
Cheapest car insurance in Iowa with a DUI
While many insurers offer coverage after a DUI, State Farm provides the average cheapest coverage for $1,394.
A DUI is one of the most serious traffic violations to have on your record. Not only do you have to pay fines, but you'll also see vastly higher car insurance rates for up to 10 years. Multiple DUIs will cause your premiums to skyrocket.
The table below compares average car insurance rates with a clean driving record and rates after a DUI in Iowa.
| Company | Average annual premium for clean record | Annual premium for a DUI |
|---|---|---|
| State Farm | $1,306 | $1,394 |
| Progressive | $1,589 | $1,677 |
| Travelers | $1,238 | $1,889 |
| Allstate | $2,126 | $2,794 |
| Geico | $1,716 | $3,087 |
| Auto-Owners | $1,461 | $3,547 |
| USAA | $1,165 | $1,922 |
Cheapest car insurance in Iowa with multiple tickets
State Farm is the cheapest car insurance company for drivers with multiple traffic tickets, with rates averaging $1,394 or $116.
One ticket will affect car insurance rates, but multiple tickets will increase rates by a lot more. Repeated failure to obey speed limits and traffic laws means insurers are more likely to pay claims because of your risky driving.
This table shows Iowa drivers how much multiple tickets increase premiums.
| Company | Average annual premium for clean record | Annual premium with a speeding ticket |
|---|---|---|
| State Farm | $1,306 | $1,394 |
| Travelers | $1,238 | $1,811 |
| Progressive | $1,589 | $1,998 |
| Auto-Owners | $1,461 | $2,252 |
| Allstate | $2,126 | $2,336 |
| Geico | $1,716 | $2,688 |
| USAA | $1,165 | $1,450 |
Cheapest car insurance in Iowa with a reckless driving conviction
State Farm offers the cheapest rates for drivers with reckless driving convictions at $1,394.
If you engage in hazardous driving behaviors that endanger others, you may be charged with reckless driving. A reckless driving conviction will increase your car insurance rates.
The table below shows car insurance rates for drivers with a clean record vs. drivers with a reckless driving conviction.
| Company | Average annual premium for clean record | Annual premium for reckless driving |
|---|---|---|
| State Farm | $1,306 | $1,394 |
| Travelers | $1,238 | $1,889 |
| Progressive | $1,589 | $2,148 |
| Geico | $1,716 | $2,663 |
| Allstate | $2,126 | $2,794 |
| Auto-Owners | $1,461 | $3,547 |
| USAA | $1,165 | $1,631 |
Cheapest car insurance in Iowa with bad credit
Based on our research, Travelers is the cheapest car insurance company for drivers with poor credit, averaging $1,891 or $158. Fortunately, drivers with bad credit can still find affordable auto insurance.
Your credit score may not be related to your driving skills, but it can affect your car insurance rates and put you in a higher-risk category. From an insurer's perspective, higher risk means an increased chance of filing a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing., and statistics show that drivers with lower credit scores are in this category.
Check the table below to see how your credit score affects Iowa car insurance.
| Company | Annual premium for good credit | Annual premium for bad credit |
|---|---|---|
| Travelers | $1,238 | $1,891 |
| Geico | $1,716 | $2,583 |
| Progressive | $1,589 | $2,666 |
| Allstate | $2,126 | $3,194 |
| Auto-Owners | $1,461 | $3,720 |
| State Farm | $1,306 | $6,462 |
| USAA | $1,165 | $2,005 |
Cheapest car insurance after an accident in Iowa
State Farm has the lowest rates after an accident at $1,482. Travelers also has affordable rates at $1,753.
Drivers with accidents on their record typically pay higher insurance rates than those with a clean record. While car insurance rates may increase after one accident, multiple accidents can increase rates even more.
This table shows rates for drivers with a clean record, one at-fault accident and multiple accidents.
| Company | Average annual premium for clean record | Annual premium for one at-fault accident | Annual premium for multiple accident |
|---|---|---|---|
| State Farm | $1,306 | $1,482 | $1,482 |
| Travelers | $1,238 | $1,753 | $2,214 |
| Auto-Owners | $1,461 | $1,931 | $2,280 |
| Progressive | $1,589 | $2,302 | $2,823 |
| Geico | $1,716 | $3,020 | $3,439 |
| Allstate | $2,126 | $3,121 | $4,478 |
| USAA | $1,165 | $1,726 | $2,631 |
Cheapest car insurance in Iowa by city
Iowa City has the cheapest car insurance rates in Iowa, averaging $2,074. However, the most expensive city is Centerville, with average insurance rates of $2,628.
Where you live in Iowa also affects car insurance rates. For example, if you live in a high-traffic or high-theft area, rates will increase because your vehicle is more likely to be damaged or stolen.
| City | Average annual premium for clean record | Annual premium for high-risk driver |
|---|---|---|
| Iowa City | $1,351 | $2,074 |
| Story City | $1,461 | $2,226 |
| Altoona | $1,441 | $2,228 |
| Kalona | $1,554 | $2,364 |
| Lawton | $1,567 | $2,373 |
| Cedar Falls | $1,562 | $2,408 |
| Ely | $1,580 | $2,418 |
| Atkins | $1,618 | $2,475 |
| Des Moines | $1,585 | $2,479 |
| Centerville | $1,741 | $2,628 |
How to reduce car insurance rates in Iowa for a bad driving record
Finding affordable car insurance in Iowa is possible, even with a bad driving record. Ways to lower car insurance rates include:
- Carefully consider filing claims. Paying for minor damage out of pocket may be cheaper than filing an insurance claim and increasing rates for years.
- Avoid costly infractions. Drive carefully to avoid adding traffic infractions to your record. Tickets only affect insurance rates for a few years, which will decrease if more tickets aren't added.
- Improve your credit score. Raising your credit score lowers car insurance rates. Make on-time payments and consider credit usage to improve your rating.
- Take a defensive driving course. Many insurance companies offer a discount for doing so, and some states remove driver's license points for successfully completing the class.
- Shop around for coverage. Every car insurance company weighs factors differently and offers different rates. Compare quotes to find the cheapest rates.
PEOPLE ASK:
How long are you considered a high-risk driver in Iowa?
Three years is common, but how long you're seen as a high-risk driver in Iowa depends on the rules of your insurance company. The state decides how long a violation stays on your driving record, but your insurance company decides how long they'll charge you for it.
Iowa car insurance laws for high-risk drivers
If you're considered a high-risk driver in Iowa, you may be required to file an SR-22. This form is filled out by your car insurance company, stating that you have at least the minimum required coverage. The court will let you know how long you must file an SR-22.
Although an SR-22 is typically called insurance, it is only the form. You don't need special insurance coverage, but rates are much higher for high-risk drivers and not all carriers insure such drivers.
Compare Iowa high-risk driver car insurance rates with other states
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